2026年全国银行招聘之银行招聘综合知识考试竞赛挑战题（附答案）

姓名:_________________编号:_________________地区:_________________省市:_________________ 密封线 姓名:_________________编号:_________________地区:_________________省市:_________________ 密封线 密封线 2026年银行招聘考试重点试题精编注意事项:1.全卷采用机器阅卷，请考生注意书写规范；考试时间为120分钟。2.在作答前，考生请将自己的学校、姓名、班级、准考证号涂写在试卷和答题卡规定位置。

3.部分必须使用2B铅笔填涂;非选择题部分必须使用黑色签字笔书写，字体工整，笔迹清楚。

4.请按照题号在答题卡上与题目对应的答题区域内规范作答，超出答题区域书写的答案无效:在草稿纸、试卷上答题无效。(参考答案和详细解析均在试卷末尾)一、选择题

1、Trytomakeyourreportas____aspossible:onlygiveusthefacts,andnotyouropinions.A.subjectiveB.objectionableC.subjectedD.objective

2、Passage9Readingisthoughttobeakindofconversationbetweenthereaderandthetext.Thereaderputsquestionsasitweretothetextandgetsanswers.Inthelightoftheseheputsfurtherquestions,andsoon.Formostofthetime,thisconversationgoesonbelowthelevelofconsciousness.Attimes,however,webecomeawareofit.Thisisusuallywhenwearerunningintodifficulties,whenmismatchisoccurringbetweenexpectationsandmeaning.Whensuccessfulmatchingisbeingexperienced,ourquestioningofthetextcontinuesattheunconsciouslevel.Differentpeopleconversewiththetextdifferently.Somestayveryclosetothewordsonthepage;otherstakeoffimaginativelyfromthewords,interpreting,criticizing,analyzingandexamining.Theformerrepresentsakindofcomprehension,whichiswritteninthetext.Thelatterrepresentshigherlevelsofcomprehension.Thebalancebetweentheseisimportant,especiallyforadvancedreaders.Thereisanotherconversationwhichfromourpointofviewisequallyimportant,andthatistodonotwithwhatisreadbutwithhowitisread.Wecallthisaprocessconversationasopposedtoacontentconversation.Itisconcernednotwithmeaningbutwiththestrategiesweemployinreading.Ifweareadvancedreadersourabilitytoholdacontentconversationwithatextisusuallyprettywelldeveloped.Notsoourabilitytoholdaprocessconversation.Itispreciselythiskindofconversationthatisofimportancewhenweareseekingtodevelopourreadingtomeetthenewdemandsbeingplaceduponusbystudyingatahigherlevel.Atalowerlevelofcomprehension,readerstendto（）.A.readatextslowlyB.readwithoutthinkinghardC.interpretatextintheirownwayD.concentrateonthemeaningofwordsonly

3、中央银行票是中国人民银行面向全国银行间债券市场成员发行的、期限一般在（）以内的中短期债券。A.六个月B.一年C.两年D.三年

4、某银行向一家小微企业发放一笔期限为5年、额度为100万元人民币的贷款．年利率为6%。那么，若以单利法计算，5年后该银行应得的本利总和是（）万元。A.120B.118C.138D.130

5、Tokeepupwiththeinfrastructure______theprofessionalsoneedstolearnhowtorunlargeprojectsmoreeffectivelyandefficientlyinordertomaketheentiredesign-engineer-operatelifecycledigital.A.boostB.boomC.constructionD.prosperity

6、资料：ThefederalgovernmentonWednesdayrecommendedanendangered-specieslistingfortheloggerheadturtlesinU.S.Waters,adecisionthatcouldleadtotighterrestrictionsonfishingandothermaritimetrades.Environmentalgroupswho’dbeenpushinganendangeredlistingsaidtheproposalwasa“turningpoint”theyhopewillleadtogreaterturtleprotections.“Ithinkit’shugedayforloggerheadseaturtles,”saidBethRiff,amarinewildlifescientistatOceana.“itreallydrawsattentiontothefacttheseturtlesarenotdoingwellandmoreneedstobedonetoprotectthem.”Withallthatattentiontopaidtothem,you’dthinkthesecreatureswouldatleasthavethegratitudenottogoextinct,butNatureisindifferenttohumannotionsoffairness.Noonereallyknowshowmanyloggerheadthereare,orhowmanyarebeingkilledbyfishinggearorotheractivities.Riffcitesa40percentdropinthenumberofnestingfemalesinFloridaoverthelastdecadeasevidenceoftrouble.Loggerheadsarenamedfortheirlargeheads,whichcontainpotentjawsthatcancrushthehardshellsofpreysuchasconch.Theturtlesareaboutthesizeofafistwhentheyhatchandmakeafrenzieddashtothesurf.Buttheytypicallygrowtomorethanthreefeetinlengthand250pounds.Theanimalcanlogthousandsofmilesasittravelsacrossoceans.BarbaraSchoder，nationalseaturtlecoordinatorforNOAA’sfisheriesdivision,saidthebiggestthreatstotheNorthPacificloggerheadincludedamagetoprimarynestingsites,whicharemainlyinJapan，aswellasaccidentalsnaringoftheturtlesinfishinggear.AndreaTeeofSanFrancisco-basedCenterforBiologicalDiversitysaidtheturtlesgethookedbyHawaiianlonglinefishermentargetingswordfishandtunaandcanbeinjuredordrowned.OntheEastCoast,themainthreattoturtlesisgearfromtheregion’svariousfishenesSchodersaid.Aprimarybenefitoftheendangeredstatuswouldbeincreasedpublicpressureonprotectingthespecies,Riffsaid.Butthegovernmentwouldalsohavetodetermine“criticalhabitats，”suchaswheretheturtlesreproduceorforage.Suchplacescouldbesubjecttoadditionalprotectionsfortheturtles,includingrestrictionsonmaritimedevelopmentorfishing.Likeeveryotherenvironmentalissuetoday,thisisplayingoutagainstthebackgroundofglobalwarmingandhumaninterferencewithnaturalecosystems,Thenarrowstripsofbeachonwhichtheturtleslaytheireggsarebeingsqueezedononesidebydevelopmentandontheotherbythreatofrisingsealevelsastheoceanswarm.Ultimatelywemustgetahandleonthoseissuesaswell,oracreaturethatoutlivedthedinosaurswillmeetitsendatthehandsofhumans,leavingourdescendantstowonderhowcreaturesouglycouldhavewonsomuchaffection.Itcanbelearnedfromthefirstparagraphthat（）.A.humanactivitieshavechangedthewayturtlessurviveB.EffortshavebeenmadetoprotectturtlesfromextinctionC.Marinebiologistsarelookingforthesecretofturtles’reproductionD.Governmentbureaucracyhascontributedtodecreasingnumberofturtles

7、资料：RahulChadha,co-chiefinvestmentofficerforHongKong-basedMiraeAssetGlobalInvestments,hasafewchartsheisparticularlyfondofwhenitcomestotellingastoryaboutinvestinginChina.OneshowsincomegrowthinChina.Basedonthecurrentrateofexpansion,heexpectstheworld'ssecond-biggesteconomywillachievehighincomestatus—definedasincomeofalmost$12,500percapita—ineightyears.Thesecondshowsaratioofhouseholddebttogrossdomesticproductforanumberofcountries.ForthriftymainlandChinahouseholds,theratiois28percent.ThatcomparestoIndiaatoneendofthescaleat15percentandtheUKattheotherwith90percent.So,basedontheirincomeandpotentialtoborrow,theChinesehavespendingpowerandthepotentialtoincreaseit.ThegrowingmuscleofChineseconsumersisnot,ofcourse,anewinvestmentthemewhenitcomestoAsia.Butatatimewhenwagegrowthismutedinotherlargeeconomies,suchastheUSandtheEurozone,thesituationinChinaissurprisinglyoverlookedratherthancelebrated.DisposableincomeperhouseholdinChinarose7.3percentinrealtermsinthefirsthalfofthisyear.Thatsurpassesthe6.9percentpaceatwhichtheeconomyexpandedintheperiod.Moreover,thenumberofjobscreatedinurbanareascameinat8.55minthefirstsevenmonthsof2017,accordingtodatafromJPMorgan,nottoofarfromtheyear-endtargetof11m.Insharpcontrast,Indiaisgeneratingroughly1mjobsayearatatimewhenitneedstofashion10timesmoretoabsorbtheyouthstreaminginfromthecountrysideinsearchofabetterliving.It'snotjustthelevelofincomethatisimprovinginChina.Itsdistributionistoo.Thegovernmentisspendingmoreonasocialsafetynet,andprovidesmorebywayofpensionsandmedicines,includingmedicalcareandeducation.“Inawaythisiscatchup,”HaibinZhu,chiefChinaeconomistatJPMorgan,saysoftheincomegrowthinChina.“Inawayitreflectsthefactthattheworkingagepopulationisdeclining.Butforthepast10yearsincomeisgoingupforthemajorityofpeoplesteadilyandgradually.”It'sanespeciallynotableachievementgiventhatsomeoftheotherforcesatworkintheChineseconomyarefarfromhelpful.Theexpansionofthesharingeconomyandevergrowingroleoftechnologyacrossmostsectorsisultimatelydeflationary.Automationisincreasinglydisplacingmanufacturingjobs.Atthesametime,sophisticatedcomputersarenoweliminatinglowendservicejobs.Asinvestorssurveytheeffectsofincomegrowth,itistheneweconomy,withitsemphasisonservicesandconsumption,andprivatecompaniesinit,thatarethebeneficiariesastheycatertotheappetitesofagrowingmiddleclass.MrChadha,forexample,isafanofcompaniessuchasCtrip,anonlinetravelapp,healthcare,insurerssuchasPingAn,（ratherthanthestateownedbehemoths）andinternetande-commercefirms.Ctripforexamplehas75percentmarketshareinonlinetravel.Whatdosetheunderlinedsentencemean?A.WeshouldresistthetrendofautomationB.ThegrowthoftheeconomyandtechnologybringsprosperityC.Technologyisdouble-edgedsincesomejobswillbeeliminatedD.Thedevelopmentoftechnologyisdevastating

8、资料：Asabusinessowner，itisvitalthatyouunderstandanduseadvancedtechnologies.Technologycanhelpincreasebusinessefficiencyandevenexpandoperations.Accountingsoftware.Thisisimportant，evenifyouhaveyourownaccountantorbookkeeper.Accountingsoftwareallowsyoutoseeyourprofitsandlossesataglance.Itcanalsohelpyoudesignandmaintainabudgetforyourbusiness.Planningsoftwareortools.AcalendarsystemisamustTherearemanyonlineplanningsystemsthatcanbeutilizedtohelpyoukeepyourcalendarorganized.Findasystemthatmeetsyourbusiness'needsandbesuretostickwithitTimetrackingsoftware.Atimetrackingdevicewillhelpyoudeterminewhattasksresultinaprofitandwhattasksdonot.Thiswillhelpyoudeterminewhattaskscanbeeliminated，outsourced，orimproved.Ifyou'relookingatsoftwarethatrequiresafee，askforafreetrialfirsttomakesureit'stherightsoftwareforyou.EmailmanagementAsabusinessowner，youprobablyuseseveralemailaccountstomanagethevariousaspectsofyourcompany.Ifyoustreamlinetheseemailstooneaccount，you'llbeabletostayorganizedandabreastofyouremails.Mobileinternetaccess.Accesstotheinternetonyourmobiledevicewillnotonlymakeyourlifeeasier，itwillalsohelpyoumaintainapositivereputationforyourbusiness.Forexample，ifyouareabletofollowupwithaclientbyemailimmediatelyafterameeting.youwillbeshowingthatyouareaccessible，timelyandprofessional.Onceyoudecidewhichtypesoftechnologyarerightforyouandyourbusiness，you'llbeonyourwaytobeingmoreorganizedandefficientthanever.What’stheauthor'sattitudetowardsadvancedtechnology?A.NegativeB.CriticalC.PositiveD.Neutral

9、飞船的发射时间基本上都选择在凌晨或子夜的原因是（）。A.白天太阳光照射，容易使火箭升温B.在漆黑的夜空中，地面的光学跟踪测量设备容易捕捉跟踪目标C.白天电磁波干扰强烈D.夜晚天气变化小，有利于火箭发射

10、某企业与工人签订了为期3年的劳动合同，约定在3年内按现行工资水平付给工人工资。此后3年内，企业所在国发生了通货膨胀，并且企业经常以各种借口缩短中午休息时间。企业在3年经营当中获取了超过同行业其他企业的更高的利润，那么该企业超出其他企业的利润的来源是（）。A.一部分工人工资与绝对剩余价值B.绝对剩余价值与相对剩余价值C.一部分工人工资和相对剩余价值D.一部分工人工资、绝对剩余价值与相对剩余价值

11、某珠宝店被盗贼窃走价值l0000美元的钻石，经调查，作案者肯定是甲、乙、丙、丁四个中的一个，于是，让这四人作为重大嫌疑对象接受审讯，这四个人的供词分别为：甲：不是我作的案乙：丁就是罪犯丙：乙是盗窃钻石的罪犯丁：乙是有意诬陷我现在假定四个人当中只有一个人说了真话，那么罪犯是（）。A.甲B.乙C.丙D.丁

12、下列权利不属于用益物权的是（）。A.土地承包经营权B.抵押权C.建设用地使用权D.地役权

13、“沉鱼落雁”“闭月羞花”用以形容古代四大美女，下列形容古代四大美女与其关系对应不正确的是（）。A.沉鱼——西施B.落雁——王昭君C.闭月——赵姬D.羞花——杨玉环

14、下列哪个选项不在世界四大文明古国之列？（）A.巴比伦B.雅典C.埃及D.印度

15、()会增加失业。A.退休工人的数量增加B.退休劳动力队伍的人数增加C.离开学校找工作的人数增加D*离开工作上学的人数增加

16、反映企业在某一特定日期财务状况的会计报表是（）。A.利润表B.资产负债表C.现金流量表D.所有者权益变动表

17、资料：ThemovementofconsumersfrompublicsocialmediatoprivatemessaginghasbeensorapidthatBusinessInsiderreportedthatthecombinedusageofthetopfourmessagingappsnowexceedsthecombinedusageofthetopfoursocialmediaapps。Fallingdataprices，cheaperdevices，andimprovedfeaturesarehelpingpropelthisgrowth。Whythehungerforprivatemessagingapps？Perhapspeoplearebecomingmoreinterestedinactuallycommunicatingratherthanbroadcasting。Maybewedon’twantpersonalandprivatelivesmerginganymoreandwewantcontroloverourdifferentsocialcircleswithinthesemessagingapps。Asmy16-year-oldnephewputit，“MyfriendpostedonFacebookandwemadefunofhim。WeonlyuseSnapchatnowbecausewhowantstoputeverythinginpublicallthetime？Thisjustconnectsmewithmyrealfriends。”Socialmediawon’tgoaway，buttraditionalsocialnetworksmaybecomelessimportanttocertaingroups。Theriseofmoreintimatechannelspresentsnewopportunities，andperhapsperils，formarketers。Whatcanbeinferredfromthethirdparagraph？A.ThetraditionalsocialnetworkswillhavegreatimpactoncertaingroupsB.TheprivatemessagingappswillreplacethesocialmediaappsC.Theintimatechannelscanbethedouble-edgedswordstothesellersD.Thegrowthoftheintimatechannelswillbringonlybenefitstothemarketers

18、在国际银行监管史上有重要意义的l988年《巴塞尔协议》规定，银行的总资本充足率不能低于（），核心资本充足率不得低于（）。A.4%8%B.6%8%C.8%4%D.10%4%

19、向人民银行发行库提取现金时，现金提回后，管库员清点核对现金无误后，填制()一式两联，一联留存，一联交出纳人员。A.现金出库票B.现金入库票C.银行存款入库票D.银行存款出库票

20、Whiletheymainlyhave______Japanesetouristspreviously，luxurystoresinParisnowemployMandarin-speakingassistantsforcustormersfromChina.A.amountedtoB.referrdetoC.adheredtoD.cateredto

21、在Excel提供的4类运算符中，优先级最高的是（）。A.算术运算符B.比较运算符C.文本运算符D.引用运算符

22、2019年，我国规模以上工业增加值增长5.7%。在规模以上工业中，分经济类型看，国有控股企业增加值增长4.8%;股份制企业增长6.8%，外商及港澳台商投资企业增长2.0%；私营企业增长7.7%。分门类看，采矿业增长5.0%，制造业增长6.0%，电力、热力、燃气及水生产和供应业增长7.0%。全年规模以上工业中，农副食品加工业增加值比上年增长1.9%，纺织业增长1.3%，化学原料和化学制品制造业增长4.7%，非金属矿物制品业增长8.9%，黑色金属冶炼和压延加工业增长9.9%，通用设备制造业增长4.3%，专用设备制造业增长6.9%，汽车制造业增长1.8%，电气机械和器材制造业增长10.7%，计算机通信和其他电子设备制造业增长9.3%，电力、热力生产和供应业增长6.5%。2019年主业工业产品产量及其增长速度年末全国发电装机容量201066万千瓦，比上年末增长5.8%。其中，火电装机容量119055万千瓦，增长4.1%；水电装机容量35640万千瓦，增长1.1%；核电装机容量4874万千瓦，增长9.1%；并网风电装机容量21005万千瓦，增长14.0%；并网太阳能发电装机容量20468万千瓦，增长17.4%。全年全社会建筑业增加值70904亿元，比上年增长5.6%。全国具有资质等级的总承包和专业承包建筑业企业利润8381亿元，比上年增长5.1%，其中国有控股企业2585亿元，增长14.5%。图22015-2019年建筑业增加值及其增长速度下列“分类型规模以上工业增加值同比增速”图形中，与材料数据相符合的是（）。A.B.C.D.

23、____analysts’predictions,McKnightElectronicengineerswereabletocreateabatterycapableoflastingtwiceaslongaspreviousmodels.A.NeverthelessB.ContrarytoC.ExceptD.Providedthat

24、资料：JobDescriptionA+ENetworksCo-BrandedCreativeDepartmentislookingforamotivatedcandidatewith1-3years’experiencetobepartofauniquedepartmentontheA&Ebrand.Theselectedcandidatewillbeworkingonco-brandedsponsoredentertainmentandbrandedpartnershipsforA&ENetwork.OurpreferredcandidatewillpossessapassionfortheA+Ebrandsandisknowledgeableofco-brandededsponsoredentertainment.TheProductionCoordinatorwillbeavaluedteammemberbyactingasGrandCentralandsupportingtheteam（internalandexternal）withalllogisticalneeds,suchascollectingassetstoproducespotsandkeepingtrackofalldepartmentactivitiestosupporttheoverallworkflow.Therightcandidatewillhaveabalancebetweenbeingdetailoriented/organizedwhenitcomestotheproductionprocessanddeadlines,aswellashavingthedesiretocontributetodevelopment.Whichofthefollowingqualitymayhelpacandidatetogetthejob?A.HardworkingbuttaciturnB.Littleknowledgeofco-brandedsponsoredentertainmentC.Experiencewithon-airpromotionproductionD.Withlittlepostproductionexperience

25、承担法律责任的主要形式是（）。A.民事制裁B.刑事制裁C.行政制裁D.法律制裁

26、—个企业的公文从来源上分可分为（）。A.绝密性公文和公开性公文B.—般性公文和特殊性公文C.来文和发文D.上行文和下行文

27、水平标尺出现在word工作区的（）。A.左侧B.顶部C.右侧D.底部

28、Therearemanyfascinatingcases_____peopleactuallydreamtaboutthingswhichlaterhappenedtothem。A.whereB.whenC.whichD.what

29、下列各项中不会引起其他货币资金发生变动的是（）。A.企业销售商品收到商业汇票B.企业用银行本票购买办公用品C.企业将款项汇往外地开立采购专业账户D.企业为购买基金将资金存入在证券公司指定银行开立账户

30、Thefactisthat_____isgiventoseniorityandmanypeoplewouldratherbethetailofalionthantheheadofadog.A.priorityB.focusC.emphasisD.attention

31、审计证据的()是指审计证据能如实反映客观事实。A.可靠性B.及时性C.相关性D.谨慎性

32、Thistypeofnetworkingservesagreat______ingivingbacktothecommunity.A.processB.powerC.purposeD.project

33、当人静止地站在斜坡式电梯上随电梯一起向上运动时（手与电梯不接触），下列表述准确的是（）。A.人不受摩擦力作用B.人所受的摩擦力方向沿电梯面向下C.人所受的摩擦力方向沿电梯面向上D.人所受的摩擦力方向可能沿电梯向上，也可能向下

34、2017年4月份，某省规模以上食品工业增加值同比增长15.0%，比全省规模工业平均水平高9.4个百分点。其中，农副食品加工业增长14.0%，食品制造业增长18.6%，酒、饮料和精制茶制造业增长13.9%。1—4月，规模以上食品工业产值累计增长11.6%，增幅比全省规模工业平均水平高4.5个百分点。1-4月，该省规模以上食品工业主要产品有52种，产量同比增加的有41种；20种产品产量增幅超过10%。主要产品中，果酒及配制酒同比增长256.7%，米制半成品增长29.3%，冷冻蔬菜增长28.3%，水产业增长22.5%，熟肉制品增长20.3%，酱油增长17.9%，成品糖增长17.8%，在减产的产品中，汽水产量同比减少73.1%，冷冻水产品减少47.3%，饮料减少6.0%。1-3月，规模以上食品工业主营业务收入为1070.37亿元，同比增长13.8%，实现利润总额52.66亿元，增长9.5%，平均用工人数39.7万人，增长6.0%。资产总计1836亿元，增长7.2%。下列选项中，2017年1-4月该省产量增速最快的是：（）A.熟肉制品B.米制半成品C.冷冻蔬菜D.酱油

35、资料：OurgoalwiththenewMacBookwastodotheimpossible:engineerafull-sizeexperienceintothelightestandmostcompactMacnotebookever.Thatmeantreimaginingeveryelementtomakeitnotonlylighterandthinnerbutalsobetter.Theresultismorethanjustanewnotebook.It’sthefutureofthenotebook.Andnow,withsixth-generationIntelprocessors,improvedgraphicsperformance,fasterflashstorage,andupto10hoursofbatterylife.MacBookisevenmorecapable.ThemomentyouopenyourMacBook,itsgorgeous12-inchRetinadisplaywithedge-to-edgeglassbringseverythingintofocus.Everyphotoleapsoffthescreeninrich,vibrantdetail.Over3millionpixelsrendereachletterwithcrystalclarity.AnditallcomestolightonthethinnestRetinadisplayeveronaMac,meticulouslyhonedtodeliveraboldvisualexperiencewithinanimpossiblyminimaldesign.Whatcanbeinferredfromthearticle?A.MacBooksellsverywellB.ThedesignofMacBooklacksdetailsC.ItisveryhardtocreatesuchaproductasthenewMacBookD.ThedesignofMacBookisclassic

36、某国对某种商品进15的数量或金额规定最高限额．达到限额后便不再允许进15，这种措施称为（）。A.“自动”出口配额B.B进口许可证制C.关税配额D.绝对配额

37、在1月18日凌晨结束的2021斯诺克大师赛决赛中，20岁的中国球员（）战胜英国名将约翰·希金斯夺冠，成为历史首位“00后”大师赛冠军。A.颜丙涛B.颜振涛C.丁俊辉D.王涛

38、如果连续地增加某种生产要素，在总产量达到最大时，边际产量曲线（）。A.与纵轴相交B.经过原点C.与平均产量曲线相交D.与横轴相交

39、我国现行宪法规定（）。A.社会主义的公有财产不可侵犯.公民的私有财产不受侵犯B.中华人民共和国的公有财产神圣不可侵犯，公民的私有财产不受侵犯C.社会主义的合法的公有财产神圣不可侵犯，公民的私有财产不受侵犯D.社会主义的公有财产神圣不可侵犯，公民的合法的私有财产不受侵犯

40、LuoJingyu,19,hasfouryearsofexperienceofrunningbusiness.HeisalsoafreshmanintheartsdepartmentofHubeiUniversity.LuoJingyuisfromanordinaryfamily.Hesaid,“MyparentstoldmeifIwantedsomething，Ishouldmakeanefforttogetit,soIearnedpocketmoneybydoinghouseworkwhenIwaslittle.”Thedreamofrunninghisownbusinessgrewinhisheart.Hesaid,“Iwanttobeasuccessfulperson,likeAlibaba’sMaYun.”WhenLuowasajuniorstudent,hehadtheideaofsellinglanternswhenhesawmanypeopleflyingChineselanternsinasquare.Luoboughtsomelanternsfromastore,butthesaleswerenotasgoodashehadexpected.Thenhefoundanotherwaytodobusiness.HeboughtlanternsontheInternetataverylowprice.Finally,heeasilymade5,000yuanintwodays.Withahappybeginning,Luoplannedtoopenadressshop.“Myparentsdidn’tsupportmeopeningadressshop,soIhadtoborrow120,000yuanforit.”Althoughhedidmarketresearchbeforestarting,thebusinesswasn’tverygoodbecausehistasteinfashionwasn’tacceptedbycustomers.Theshopeventuallycloseddownafterhalfayear.Afterexperiencingabigloss,hedecidedtodosomethinghewasfamiliarwithsellingpaintingtools.Asafineartsstudent,heknewthemarket.Heconvincedhisfriendstoinvestonemillionyuaninhisshop.Withagoodbusinessmindandalotofeffort,thesalesoftheshopreachedsixmillionyuaninayear.EventhoughLuoisrich,heusesacheapcellphoneanddoesnotwearluxuryclothes.Hehasasimplelifestyle.“Itisn’teasytomakemoney,somoneyshouldbeusedonsomethingworthwhile,”hesaid.Whatistherighttimeorderforthefollowingevents?（）a.Luoboughtsomelanternsfromthestore.b.LuoboughtsomeLanternsontheInternet.c.Luobegansellingpaintingtools.d.Luoopenedadressstore.A.abcdB.abdcC.bacdD.cbad

41、生产成本上升会使得商品供给量（）。A.下降B.上升C.不变D.均有可能

42、甲在商场柜台边捡到一个钱包，内装人民币6000元，送交给该商场保卫科负责人乙．乙将此款据为己有。乙的行为构成（）。A.侵占罪B.挪用公款罪C.贪污罪D.巨额财产来源不明罪

43、资料：Asmorepersonalbusinessisconductedthroughsmartphonedevices,moreusersareimplementingsecuritymeasuresfortheirdevices,accordingtoarecentsurveybyHarrisPollandcommissionedbytheCTIA.Thesurveywasapartofthecompany’songoingeffortstoboostusereducationonthepitfallsofmobilesecurityandassesswhethertheCTIA’sinitiativesareworking.ItturnsoutthatmobileusersintheUShavebegunimplementingmanyoftheinitiativessetforthandhaveincreasedbothawarenessof,andprotectionfor,theirmobiledevices:MoresmartphoneusersareprotectingtheirdeviceswithPINsandpasswordsthaninpreviousyears.In2016,ofsmartphoneusershadsomesortofPIN/password,upfrom2015andform2012.Anincreasingnumberofsmartphoneusershaveinstalledbuilt-inremotelock-and-erasesoftware.Ofsurveyrespondents,havethistypeoflock-and-erasesoftwareinstalled,upanastoundingfrom2015andfrom2012.Smartphoneusersareincreasinglyawareoftheimportanceofanti-virussoftware.ofsmartphoneusershaveananti-virussoftwareinstalled,comparedwithonlyofsmartphoneownersin2015,accordingtoBIIntelligence.Thesurveyresultsindicatethatusersarebecomingincreasinglyawareofthedangerposedbytheincreasingrelianceonmobiletechnologyformnotonlymaliciousentitieslikehackers,butalsogovernmentsurveillance.Specifically,usersareincreasinglyseekingforwaystoguardthemselvesinlightofanumberofrecenthigh-profileincidentsinvolvingphonesecurity–likeApple'scaseagainsttheFBI,forexample.Becauseofthis,itwillbecomeincreasinglycommonforappdevelopersanddevicemanufacturestobuildinsecurityandend-to-endencryption.ThiscanbeseenindevicesandappssuchasWhatsAppandiPhones.Developersanddevicemanufacturersthatdon'tincludethisfeatureintheirproductscouldbefacedwithnegativeconsumerattitudes.ItcanbeinferredthatWhatsAppandiPhones_____.A.hadbuiltinsecurityandend-to-endencryptionB.includedtheCTIAfeatureintheirproductsC.werefacedwithnegativeconsumerattitudesD.cooperatedwithFBItoguaranteethesecurety

44、Passage3Asksomeonewhattheyhavedonetohelptheenvironmentrecentlyandtheywillalmostcertainlymentionrecycling.Recyclinginthehomeisveryimportant,ofcourse.However,beingforcedtorecycleoftenmeanswealreadyhavemorematerialthanweneed.Wearedealingwiththeresultsofthatover-consumptioninthegreenestwaypossible,butitwouldbefarbetterifwedidnotneedtobringsomuchmaterialhomeinthefirstplace.Thetotalamountofpackaginghasincreasedby12%between1999and2005.Itnowmakesupathirdofatypicalhousehold'swasteintheUK.Inmanysupermarketsnowadaysfooditemsarepackagedtwicewithplasticandcardboard.Toomuchpackagingisdoingseriousdamagetotheenvironment.TheUK,forexample,isrunningoutofitforburyingthisunnecessarywaste.Ifsuchpackagingisburnt,itgivesoffgreenhousegaseswhichgoontocausethegreenhouseeffect.Recyclinghelps,buttheprocessitselfusesenergy.Thesolutionisnottoproducesuchitemsinthefirstplace.Foodwasteisaseriousproblem,too.Toomanysupermarketsencouragecustomerstobuymorethantheyneed.However,fewofthemarecomingroundtotheideathatthiscannotcontinue,encouragingcustomerstoreusetheirplasticbags,forexample.Butthisisnotjustaboutsupermarkets.Itisaboutallofus.Wehavelearnedtoassociatepackagingwithquality.Wehavelearnedtothinkthatsomethingunpackagedisofpoorquality.Thisisespeciallytrueoffood.Butitisalsoappliedtoawiderangeofconsumerproducts,whichoftenhavefarmorepackagingthannecessary.Therearesignsofhope.Asmoreofusrecycle,wearebeginningtorealizejusthowmuchunnecessarymaterialsarecollected.Weneedtofacethewastefulnessofourconsumerculture,butwehaveamountaintoclimb.Whatdoestheunderlinedphrase“over-consumption”referto?（）A.UsingtoomuchpackagingB.RecyclingtoomanywastesC.HavingmorematerialthanisneededD.Makingmoreproductsthannecessary

45、某企业2011年3月发生了如下经济业务：①预付下季度房租20000元；②收到3月份销售商品货款25000元，款项已存入银行；③购买1000元的办公用品，④预收购货方定金12000元，货物尚未发送。以权责发生制为核算基础时，3月份的收支净额为()元。A.24000B.16000C.4000D.36000

46、资料：VirginAmericahelpedAirbuspipBoeingattheposttoretainitscrownastheworld’slargestcommercialplanemaker.Airbustraileditsarch-rivalBoeinginnumberofordersformostof2010butmovedaheadafteraflurryofsalesattheendoftheyear.AttheendofDecember,VirginAmerica,RichardBranson’supstartUSairline,ordered30oftheupdatedversionofAirbus’sA320model.AirbushaspromisedtheA320withthenewengineoptionwillcutfuelconsumptionandcarbonemissionsby15%comparedwiththeexistingmodels,figuresdisputedbyBoeingandsomeanalysts.The$5.1nd（￡3.2nd）contractwasthefirstorderfortheupdatedairplanes.TheVirgindealcappedayearwhenAirbustookordersfor644airplanesworth$84ndatlistprice.Boeingwon625grossorderswithalistpriceof$70nd.Itwasheldbackbydelaystoits787Dreamliner.BothAirbusandBoeingarerecoveringstronglyfromanindustryrecessionthatsawcombineddemandfortheirplanesfallbymorethantwo-thirdsin2009.Whitetherewerestilldozensofplanecancellationsin2010,andbothfirmshavestruggledwithdelays,Airbussecuredmorethantwicethenumberofairplaneordersin2010thatithadanticipated.TomEnders,chiefexecutive,said:”2010hasbeenbetterthanweexpected.Wewilllookat2011moreoptimistically.Growth,especiallyinaviation,isback,andthisislargelyduetoemergingmarkets.Asia,theMiddleEast,that’scertainlybeenthefocus.”LastweekAirbusannounceda$16nddealwithIndigofor180airplanes,thelargestsingleorderforaircraftincommercialaviationhistory.Theorderincludes30ofAirbus’soriginalA320single-aislejetsand150withAirbus’snewengine-optionA320s.AirbusdeliveredmoreplanesthanitsUSrivalfortheeighthconsecutiveyear.Itstotalof510deliveries,upfrom498in2009,toppedthe500markforthefirsttimeatAirbus.Lastyearthecompanysoldits10,000thplaneinits40-yearhistoryBoeingdel